114 Gracecroft Dr, Havre De Grace, MD 21078 Property Records

Harford County property record for 114 Gracecroft Dr, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,420 sqft · built 1997
Lot Size	0.059 acres (2,561 sqft)
Owner	2 Individual Names on Record
Last Sale	$576,694 (Jul 2012)
Tax Bill	$2,219 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-055036`

Property Details

APN / Parcel Number

Primary APN	`06-055036`
Alternative APNs	`6055036` `055036`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,420 sqft Total Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,561 sqft (0.059 acres)
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	055036
Street Address	114 GRACECROFT DR
City	HAVRE DE GRACE
State	MD
Zip	21078-2549
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LOT 8 2561.54 SF 114 GRACECROFT DRIVE GRACECROFT S1 PT 80/62
Legal Subdivision	GRACECROFT VILLAGE SEC 01 01
Legal Lot Number	8
Jurisdiction	HARFORD MD
Township / Civil Division	6, HAVRE DE GRACE
Census Block Group	3
Census Block	3009
Census Tract	306400

Owner

Source: Harford County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	114 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2024	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Sep 3, 2019	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2012 · Amount on Record
Deed Sale	Jul 13, 2012 · Amount on Record
Prior Sale	Nov 24, 1997 · Amount on Record
Deed Book / Page	9768 / 1
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	114 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2549
Transaction Type	Mortgage
Record Updated	Apr 25, 2024
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0162340364
Date	Apr 17, 2024
Book Page	16234/364

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	114 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2549
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134210047
Date	Sep 3, 2019
Book Page	13421/0047

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Municipality	Havre De Grace City
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,219.00 (+19.43%) Homeowner's exemption	$232,867 (+23.62%)	$251,800 (+29.13%) Land $75,000 Building $176,800
2025	$1,858.00 (+7.27%) Homeowner's exemption
2023		$188,367	$195,000 Land $56,500 Building $138,500
2022	$1,732.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (2013–2025)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Jul 2025 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HAVRE DE GRACE serves 14,000 people · EPA ID MD0120012
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2016
Treatment and Procedure	Organic carbon removal Oct 2023
Monitoring and Reporting	16 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
IQ Fiber Fiber	1,000 / 1,000

May also be available: Verizon.

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